Search found 868 matches

by bayview
Wed Feb 15, 2017 7:01 am
Forum: Investing - Theory, News & General
Topic: Tsp contribution question (contribute bi-monthly)
Replies: 12
Views: 1059

Re: Tsp contribution question (contribute bi-monthly)

I contribute bi-monthly , each time I am payed to TSP, and the agency matches my contribution plus 1%. My only question is with my contributions bi-weekly. I contribute 5%, so I am good with that. To clarify, if you're contributing 5%, you have a 5% "match", meaning a 5% employer contribu...
by bayview
Sun Feb 12, 2017 10:05 pm
Forum: Personal Finance (Not Investing)
Topic: Strategy to finance medical expense.
Replies: 8
Views: 661

Re: Strategy to finance medical expense.

If this is not covered by insurance, go to all the providers (hospital, physician, radiologist, pathologist, etc.) and ask what they would pay to a typical 3rd party payer, e.g. Blue Cross Blue Shield for this treatment. Then ask if they would accept that rate from you BEFORE hospitalization/ proced...
by bayview
Sun Feb 12, 2017 8:24 pm
Forum: Personal Finance (Not Investing)
Topic: Car Purchase and Roth Withdraw
Replies: 7
Views: 727

Re: Car Purchase and Roth Withdraw

The biggie here is that once you pull money from your Roth, it's gone forever. Yes, you can make new contributions, but since you are pulling more than $5500 (or $6000 for us geriatrics), you've lost $4000 or so forever. You can't get that space back. I've pulled money from a Roth before, and even t...
by bayview
Sun Feb 12, 2017 7:34 pm
Forum: Investing - Theory, News & General
Topic: Why go with an 80% stock / 20% bond portfolio?
Replies: 328
Views: 17724

Re: Why go with an 80% stock / 20% bond portfolio?

"Completely hosed" is an overstatement of what I wrote. I was simply noting that despite what ought to be true, we are not all completely able to shift professions without at least a temporary downgrade in rank and pay. And IMO this should be taken into consideration when looking at risk ...
by bayview
Sun Feb 12, 2017 6:41 pm
Forum: Investing - Theory, News & General
Topic: Why go with an 80% stock / 20% bond portfolio?
Replies: 328
Views: 17724

Re: Why go with an 80% stock / 20% bond portfolio?

I agree that we all have to be continually retooling and upgrading our skills. I do so at the age of 62. But if you believe that an employer would rather hire someone in his/her upper 50's, supposedly with all these life skills, than someone in his/her upper 20's, then I can only say that you are c...
by bayview
Sat Feb 11, 2017 9:17 pm
Forum: Investing - Theory, News & General
Topic: Why go with an 80% stock / 20% bond portfolio?
Replies: 328
Views: 17724

Re: Why go with an 80% stock / 20% bond portfolio?

I agree that we all have to be continually retooling and upgrading our skills. I do so at the age of 62. But if you believe that an employer would rather hire someone in his/her upper 50's, supposedly with all these life skills, than someone in his/her upper 20's, then I can only say that you are co...
by bayview
Tue Feb 07, 2017 8:09 pm
Forum: Personal Finance (Not Investing)
Topic: Credit Score: How low is too low?
Replies: 17
Views: 2090

Re: Credit Score: How low is too low?

As mentioned above, all you have to do is pay off your cards a day or two before the next statement drops. That way they will report with a $0 balance instead of reporting as maxed out. The credit reports aren't able to show that you pay off one balance before running up another, so they interpret a...
by bayview
Sun Feb 05, 2017 6:11 pm
Forum: Investing - Theory, News & General
Topic: Costs of the TSP? is it self-sustained?
Replies: 33
Views: 3107

Re: Costs of the TSP? is it self-sustained?

This is what the web site says on the matter: Expenses are offset by the forfeitures of Agency Automatic (1%) Contributions of FERS employees who leave Federal service before they are vested, other forfeitures, and loan fees. Because these amounts are not sufficient to cover all of the TSP's expens...
by bayview
Sun Feb 05, 2017 5:42 pm
Forum: Personal Finance (Not Investing)
Topic: Are there really "Tax Brackets" and does it really matter if I get bumped up into the next one?
Replies: 87
Views: 7455

Re: Are there really "Tax Brackets" and does it really matter if I get bumped up into the next one?

Just a comment: there are more considerations than pre- and post-retirement tax brackets when considering a Roth. Another is the RMDs. Even if you don't spend your RMDs from a traditional IRA or 401(k) type account, you still must withdraw X amount of money from a tax-sheltered account at a time whe...
by bayview
Tue Jan 03, 2017 6:29 am
Forum: Investing - Theory, News & General
Topic: How do you treat 401k Match for IRR Purposes?
Replies: 46
Views: 2231

Re: How do you treat 401k Match for IRR Purposes?

Tracking matches separately doesn't make sense to me. For instance, I max out my TSP, including catch-up. If another employee had the identical allocation but put in only enough to get the match, that match is a higher percentage of his/her contribution than mine. Does that mean that his/her portfol...
by bayview
Sun Jan 01, 2017 11:28 am
Forum: Investing - Theory, News & General
Topic: If you only have 20% in bonds...
Replies: 42
Views: 7067

Re: If you only have 20% in bonds...

I'm no longer "younger" (I wish), but we have all bonds in Treasuries, with a correspondingly higher allo to stocks, per Larry Swedroe's comments, in our risk portfolio (70/30.) In our much more conservative matching portfolio (25/75), I'm considering putting part of the fixed portion into...
by bayview
Sat Dec 31, 2016 4:49 pm
Forum: Investing - Theory, News & General
Topic: What are you up YTD? [Year To Date]
Replies: 1288
Views: 210898

Re: What are you up YTD? [Year To Date]

Would rather posters skip the fake news so as not to confuse the inexperienced like myself who are still learning. Beardstown accounting is real and accepted if one states that method was used. The Ladies neglected to mention that in their accounting and that lead to all the fun and games. There is...
by bayview
Sat Dec 31, 2016 3:57 pm
Forum: Investing - Theory, News & General
Topic: What are you up YTD? [Year To Date]
Replies: 1288
Views: 210898

Re: What are you up YTD? [Year To Date]

Still stubbornly using longinvest's https://www.bogleheads.org/wiki/Calculating_personal_returns , because it's consistent and makes sense, even though IRR gives a higher number. :D For newer members here, this method excludes contributions (and withdrawals), so it's returns, plain and simple. Trail...
by bayview
Thu Dec 29, 2016 8:39 pm
Forum: Investing - Theory, News & General
Topic: frustrating to keep investing in international/EM
Replies: 179
Views: 17796

Re: frustrating to keep investing in international/EM

We have our international (not much, currently 20% of equities) in small-cap international, VFSVX (VSS for ETF.) It has shown an interesting (to me) pattern of zigging when US is zagging, and I don't know if that's because it's international or because it's small. I chose to go with it because of th...
by bayview
Thu Dec 29, 2016 6:57 pm
Forum: Investing - Theory, News & General
Topic: How many of you invest 100% at Vanguard?
Replies: 118
Views: 7667

Re: How many of you invest 100% at Vanguard?

My TSP is at, well, TSP. :D Our rollover 401k's and Roths are at Vanguard. I don't have any temptation to spread them out among various brokerages. I will say that after some of the IT snafus at Vanguard, I now save + print out statements showing the number of shares in each account at Vanguard when...
by bayview
Fri Dec 23, 2016 10:14 pm
Forum: Investing - Theory, News & General
Topic: [Why did my fund suddenly drop in value?]
Replies: 185
Views: 44115

Re: [Why did my fund suddenly drop in value?]

Intermediate and Long Treasury funds did their distribution magic. Gave me quite a turn for a moment. :shock:
by bayview
Thu Dec 15, 2016 6:13 pm
Forum: Investing - Theory, News & General
Topic: "Twenty Ways To Tell If You're A Lousy Investor"
Replies: 57
Views: 6268

Re: "Twenty Ways To Tell If You're A Lousy Investor"

Good grief. I look at my portfolio every day, out of curiosity. Sort of the same way that I stroll around my yard on summer evenings, looking at my garden. I don't yank out my plants, move them, plant new ones, etc. We have five whole funds (all index or nearly so, in the case of Treasuries) in Vang...
by bayview
Sun Dec 11, 2016 12:00 am
Forum: Investing - Theory, News & General
Topic: VT expense ratio dropped?
Replies: 22
Views: 2735

Re: VT expense ratio dropped?

From the Vanguard page on VTWSX: 1 Apple Inc. 2 Alphabet Inc. 3 Microsoft Corp. 4 Exxon Mobil Corp. 5 Johnson & Johnson 6 Amazon.com Inc. 7 Facebook Inc. 8 Berkshire Hathaway Inc. 9 General Electric Co. 10 JPMorgan Chase & Co. Isn't anyone perturbed that the top 10 stocks are US? Fund total ...
by bayview
Sat Dec 10, 2016 9:11 pm
Forum: Investing - Theory, News & General
Topic: What am I missing w/this back-tested asset allocation?
Replies: 72
Views: 5620

Re: What am I missing w/this back-tested asset allocation?

The problem with back-testing is that there is no assurance that history will repeat itself. Unless you have a time machine, you have no idea if you will see the same results. I pick my (limited number of) funds by what I expect them to do for our investments. Part of that expectation is based on hi...
by bayview
Sat Dec 10, 2016 7:37 pm
Forum: Investing - Theory, News & General
Topic: To Use Vanguard PAS Or Not
Replies: 11
Views: 1444

Re: To Use Vanguard PAS Or Not

This is just my short-term personal opinion regarding the need for the PAS as we have only used V-guard's service for 19 months. If your goal is to simplify your portfolio, you can do that yourself with due diligence and a few mouse clicks. (Well, in your case more than a few. Why so many funds?) F...
by bayview
Tue Nov 22, 2016 6:36 am
Forum: Investing - Theory, News & General
Topic: U.S. stocks in freefall
Replies: 3333
Views: 839602

Re: U.S. stocks in freefall

Uncle Pennybags wrote:
just frank wrote:I have a hard time believing that there is a cadre of DIY investors reading Krugman's column twice a week and trading their investments based on it.

That's good, it keeps the market efficient; for every sucker seller there is a sucker buyer.

Or livesoft, picking up a few bargains on a RBD. 8-)
by bayview
Sat Nov 19, 2016 9:42 pm
Forum: Investing - Help with Personal Investments
Topic: TSP or Vanguard
Replies: 17
Views: 1854

Re: TSP or Vanguard

I can't imagine giving up access to the G fund. If nothing else, put all your bond allocation (and IMO, it should be higher) in TSP/G. Yes, the withdrawal restrictions are annoying, but they may change over time, and again, why would you give up access to the G fund? Edit to add: I'm about 4 1/2 yea...
by bayview
Sat Nov 19, 2016 9:35 pm
Forum: Investing - Theory, News & General
Topic: Why are bonds dropping? They are supposed to be safe.
Replies: 171
Views: 20890

Re: Why are bonds dropping? They are supposed to be safe.

riptide wrote:Bonds have been dropping [recently...]
Why ? I thought they were a stable fixed investment.

Maybe you should move your bond allotment to your TSP account --> G fund.

It keeps creeping upward. Nothing spectacular, but always inching upward.
by bayview
Wed Nov 16, 2016 7:39 pm
Forum: Investing - Theory, News & General
Topic: "Comedians' best lines of financial wisdom"
Replies: 20
Views: 3607

Re: "Comedians' best lines of financial wisdom"

This is in someone's signature line, I think:

"Don’t gamble; take all your savings and buy some good stock, and hold it till it goes up, then sell it. If it don’t go up, don’t buy it.” 8-) --Will Rogers
by bayview
Fri Nov 11, 2016 12:34 pm
Forum: Investing - Theory, News & General
Topic: FERS TSP contribution percentage: How to
Replies: 5
Views: 468

Re: FERS TSP contribution percentage: How to

I'm in FERS and TSP. I max out at $24,000 ($18k + catch-up.) That's around 38% of my salary. My agency contributes an additional 5%. There shouldn't be a percentage restriction in specific agencies. Which website is he using? When I was still increasing my contributions, I generally did it on the my...
by bayview
Fri Oct 28, 2016 5:29 am
Forum: Investing - Help with Personal Investments
Topic: In 15% tax bracket. Should we convert IRA to Roth IRA?
Replies: 17
Views: 1855

Re: In 15% tax bracket. Should we convert IRA to Roth IRA?

Depending upon how big your tIRA's grow, one benefit of converting to Roth, even if not in a high bracket at first glance, is that your RMD's will be lower. The income tax on your RMD's might push you into a higher tax on your SS income, and so forth.
by bayview
Sun Oct 23, 2016 2:54 pm
Forum: Personal Consumer Issues
Topic: Aldi doesn't accept phone calls
Replies: 36
Views: 4431

Re: Aldi doesn't accept phone calls

I'd be pretty peevish if I had lost something during the course of a day and wanted to call places I'd been to find if it had been turned in...

I guess we should resign ourselves to the shrinking of customer service in the name of cost-savings. :(
by bayview
Sun Oct 23, 2016 2:53 pm
Forum: Personal Consumer Issues
Topic: Another "replace car or not" decision
Replies: 13
Views: 1264

Re: Another "replace car or not" decision

Do you think that you'll be putting more, fewer, or about the same number of miles on it after retirement?
by bayview
Sun Oct 23, 2016 12:06 pm
Forum: Investing - Theory, News & General
Topic: "Years Of Expenses": Preferable To "% Of Portfolio" For Retirees' Fixed Income?
Replies: 39
Views: 2928

Re: "Years Of Expenses": Preferable To "% Of Portfolio" For Retirees' Fixed Income?

Since we don't need to withdraw for regular needs, we will draw down my TSP account, currently 83% G fund, over a 20-year period, somewhat matching the RMD's. We figure that we're more likely to travel and so forth during this 20 years, and whatever isn't used will be put into CD's and similar safe...
by bayview
Sat Oct 22, 2016 1:48 pm
Forum: Investing - Theory, News & General
Topic: "Years Of Expenses": Preferable To "% Of Portfolio" For Retirees' Fixed Income?
Replies: 39
Views: 2928

Re: "Years Of Expenses": Preferable To "% Of Portfolio" For Retirees' Fixed Income?

I arrived at my target 30/70 stock/fixed-income AA in about 2007 by using the ability, willingness, and need to take risk paradigm that I learned about from Larry Swedroe's books. When I learned about the Liability Matching Portfolio / Risk Portfolio (LMP/RP) paradigm from William Bernstein's more ...
by bayview
Sat Sep 24, 2016 7:36 pm
Forum: Personal Consumer Issues
Topic: Companion Dogs for an older person
Replies: 42
Views: 3389

Re: Companion Dogs for an older person

What about a Corgi? It sounds like your mom can still handle the walks and all, but at least she's less likely to be knocked down by a Corgi-sized dog than a Lab. (I love both.)
by bayview
Wed Sep 21, 2016 7:05 pm
Forum: Personal Consumer Issues
Topic: Favorite Coffee
Replies: 147
Views: 11667

Re: Favorite Coffee

Does anyone here grind their own coffee? Of those that do, does anyone use a manual burr mill or simply an electric grinder? We grind our Peet's French Roast in an ancient Mr. Coffee electric grinder. The beans are really oily (that's why the coffee is so good), so I scrape it out every few days. I...
by bayview
Tue Sep 20, 2016 6:43 pm
Forum: Personal Consumer Issues
Topic: a car problem (Subaru)
Replies: 21
Views: 3471

Re: a car problem (Subaru)

The end of the story....the mechanic said that it was either a valve problem or a piston ring problem. The cost for fixing both is $4400 - Subaru has generously agreed to pay $3000 of the cost. I hope this will be the end of it. That's pretty remarkable. I would never have thought that a carmaker w...
by bayview
Fri Sep 16, 2016 7:15 pm
Forum: Personal Consumer Issues
Topic: Refrigerator issues - Temperature & Other
Replies: 22
Views: 1741

Re: Refrigerator issues - Temperature & Other

OP, hope it works out for you, but if you have to replace it, you should check out French door refrigerators. The space problems of side-by-sides are eliminated, as both the fridge and freezer portions use the full width. I also like having the freezer on the bottom, so that the fresh food portion i...
by bayview
Thu Sep 15, 2016 6:53 pm
Forum: Personal Finance (Not Investing)
Topic: Will you delete the Stocks App from your iPhone?
Replies: 31
Views: 2829

Re: Will you delete the Stocks App from your iPhone?

I curently have an app container labeled "apple bloat" that I wouldn't mind deleting completely. The stocks app is definitely in that container. Me, too, except my container is labeled "Junk." :happy Mine is labeled "Crapple." :D I've never used the stock app, and it d...
by bayview
Wed Sep 14, 2016 8:49 pm
Forum: Personal Consumer Issues
Topic: Favorite Coffee
Replies: 147
Views: 11667

Re: Favorite Coffee

Peet's French Roast, yes even here in NC. :D We buy the whole bean version, storing the bag in the freezer, and then grind it each morning, which makes the house smell great. We brew it in a Bund brewer in a thermal carafe without a heating plate, so no burnt coffee. We used to do the French press t...
by bayview
Wed Sep 14, 2016 8:36 pm
Forum: Investing - Theory, News & General
Topic: WSJ: Bank Balance better predictor of happiness than Total Wealth
Replies: 43
Views: 6855

Re: WSJ: Bank Balance better predictor of happiness than Total Wealth

We barely have more than $200 in our checking accounts at any given time. :D EVERYTHING goes into savings. If something comes up, we grudgingly pull it out from the savings. But we don't keep money unnecessarily in pitiful checking. I remember once finding an ATM slip at the local gas-beer-live bait...
by bayview
Mon Sep 12, 2016 7:00 pm
Forum: Investing - Help with Personal Investments
Topic: Is anyone else feeling courageous enough to buy today?
Replies: 90
Views: 7168

Re: Is anyone else feeling courageous enough to buy today?

Well I did it I bought all 5. I'm hoping I get at least a little cushion this week in case it starts bouncing around again or does the zigzag stuff. Up and down like the rollercoaster it's been the past month. Why would it matter if "it starts bouncing around again or does the zigzag stuff&quo...
by bayview
Mon Sep 12, 2016 6:27 pm
Forum: Investing - Help with Personal Investments
Topic: Is anyone else feeling courageous enough to buy today?
Replies: 90
Views: 7168

Re: Is anyone else feeling courageous enough to buy today?

Well I did it I bought all 5. I'm hoping I get at least a little cushion this week in case it starts bouncing around again or does the zigzag stuff. Up and down like the rollercoaster it's been the past month. Why would it matter if "it starts bouncing around again or does the zigzag stuff&quo...
by bayview
Mon Aug 29, 2016 6:16 pm
Forum: Personal Finance (Not Investing)
Topic: Buying house near church
Replies: 68
Views: 6163

Re: Buying house near church

We once lived on post next door to the military chapel. The "bells" were electronic, and occasionally they would ring at 2 a.m. or so, right outside my parents' bedroom window. The chaplain received plenty of phone calls from my dad with some pretty unholy language. :D
by bayview
Sat Aug 27, 2016 8:15 am
Forum: Investing - Theory, News & General
Topic: My only fund not in the red today...how about you?
Replies: 23
Views: 2349

Re: My only fund not in the red today...how about you?

Just a downer day all across the board. My only fund not in the red is an emerging markets fund I am stubbornly holding onto until I've recovered my losses. Up 2 cents a share....I know just put it all in one fund and don't look. I can see why. 8-) Yep, mine too. The only thing up was G fund in my ...
by bayview
Thu Aug 25, 2016 8:33 pm
Forum: Personal Consumer Issues
Topic: Question about employee development
Replies: 28
Views: 1639

Re: Question about employee development

I don't know how blunt you're allowed to be, but if you can be honest with him, I'd advise him to get to the nearest community college/ local college/ university and enroll (again) in Freshman Comp if he wants to remain employed, whether with you or anyone else. Maybe a technical writing course, dep...
by bayview
Thu Aug 25, 2016 8:06 pm
Forum: Personal Finance (Not Investing)
Topic: Using TSP Loan for Mortgage Down Payment?
Replies: 5
Views: 659

Re: Using TSP Loan for Mortgage Down Payment?

I don't think it's completely unreasonable, because your TSP allo is all G fund. I love the G fund and do pretty much the same myself, but its return is pretty low. (Worth it to me for the safety, but we're just talking return here.) Therefore, the usual argument against taking a 401k loan, where yo...
by bayview
Tue Aug 23, 2016 7:51 pm
Forum: Personal Consumer Issues
Topic: Rented a car on business, received a parking ticket 11 months later?
Replies: 29
Views: 2649

Re: Rented a car on business, received a parking ticket 11 months later?

Hey All, I just received a "violation notice" from Avis for a trip to California I took about a year ago on business. The funny thing about this, I have pictures from that day and never parked anywhere I couldn't. Admittedly, the only thing I did was park in somebodies driveway (lol) on a...
by bayview
Tue Aug 23, 2016 5:59 pm
Forum: Investing - Help with Personal Investments
Topic: Can I semi-retire (or retire?)
Replies: 78
Views: 7294

Re: Will I be able to tell my wife I can semi-retire (maybe retire!)?

More seriously, I am still employed full-time while DH is retired (will be 67 in January.) I am perfectly happy with this arrangement, but I can't help being a bit envious - I wanna be retired too! But I will be retired in not quite 5 years (knock wood), so I grit my teeth and do my thing. I'm not ...
by bayview
Tue Aug 23, 2016 5:54 pm
Forum: Investing - Help with Personal Investments
Topic: Anyone else getting nervous and converting to cash as a short-term move?
Replies: 116
Views: 12143

Re: Anyone else getting nervous and converting to cash as a short-term move?

We have our first kid on the way, so I'm keeping more cash in savings in anticipation of hospital bills and whatnot. And that makes me nervous because I'm doing it instead of funding my Roth IRA this year. But at least we'll get the tax break. Go back and read through how much people were freaking ...
by bayview
Tue Aug 23, 2016 5:28 pm
Forum: Investing - Help with Personal Investments
Topic: Can I semi-retire (or retire?)
Replies: 78
Views: 7294

Re: Will I be able to tell my wife I can semi-retire (maybe retire!)?

I'd like to hear how that conversation goes. HE: Hey honey! Since my at-home business has slowed down, why don't we just say I "retired". Of course we need money to live on, so I think it would be safe if you just kept working...until you get enough Social Security for us to live off of. ...
by bayview
Mon Aug 22, 2016 6:19 pm
Forum: Personal Consumer Issues
Topic: Long wait on Vanguard Phone Lines-What's going on?
Replies: 56
Views: 6863

Re: Long wait on Vanguard Phone Lines-What's going on?

We generally do everything online, but sometimes there is no choice but to call (VG requirements.) I called twice a month ago, held for 20-30 minutes each time, and called back to take the option of them calling me. No return call either time. Actionable part: I don't plan to leave Vanguard, but I'm...
by bayview
Mon Aug 22, 2016 6:00 pm
Forum: Personal Consumer Issues
Topic: new potential tenants negotiating on rent
Replies: 72
Views: 7273

Re: new potential tenants negotiating on rent

Yes i did, and a little more as she is moving in 10 days earlier, otherwise it was going to sit vacant. The manager will come by once a month to do yard maintenance. As homeowners who like to sit on our front porch of an evening, and who are forced to look at the high weedy grass of the rental acro...
by bayview
Fri Aug 05, 2016 10:10 pm
Forum: Personal Consumer Issues
Topic: Heart rate monitors
Replies: 22
Views: 1430

Re: Heart rate monitors

Are you a professional athlete? Have a heart problem? I've gone my whole life without a HRM. Ran marathons, cycled century rides, climbed mountains. Keep it simple. Me too. Playing with data is fun though so I think about it from time to time. However, I can count my pulse for 15 sec and multiply b...

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